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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,863 | $81,476-79.3% | $102,383-83.5% | $80,925-79.2% |
| Participation rate | 58.0% | 66.8%-8.8pp | 74.5%-16.5pp | 67.7%-9.7pp |
| Annual return | 7.15% | 25.59%-18.4pp | 24.94%-17.8pp | 35.65%-28.5pp |
| Employer contribution / active EE | $3,355 | $3,105+8.0% | $3,870-13.3% | $2,756+21.7% |
| Participant deferral / active EE | $2,095 | $3,871-45.9% | $5,060-58.6% | $4,299-51.3% |
| Admin fee / account holder | $1,254 | $6,717-81.3% | $8,391-85.1% | $6,940-81.9% |